INTU
INTUIT INC.Evidence as of 2026-09-11The desk's Snapshot
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Overview · INTUIT INC.
Intuit Inc. provides financial management and compliance products and services for consumers, small businesses, self-employed, and accounting professionals in the United States, Canada, and internationally. The company operates in four segments: Small Business & Self-Employed, Consumer, Credit Karma, and ProConnect. The Small Business & Self-Employed segment provides QuickBooks online services and desktop software so…
Management team
- Ms. Lauren D. Hotz · Senior VP & Chief Accounting OfficerFind on LinkedIn
- Ms. Marianna Tessel · Executive VP & GM of Global Business Solutions GroupFind on LinkedIn
- Mr. Mark Notarainni · Executive VP & GM of Consumer GroupFind on LinkedIn
- Ms. Laura A. Fennell · Executive VP and Chief People & Places OfficerFind on LinkedIn
Start free to see the full management team.
Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it, not a rating or a recommendation.
−0.6 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled. The rest of the page is the evidence behind it.
The surviving evidence supports a cautious read (score: -0.6; confidence high). Reported revenues rose across the three fiscal quarters in the packet from $ 3,885,000,000 in fiscal Q1 2026 (fiscal quarter ended 2025-11-13) to $ 4,651,000,000 in fiscal Q2 2026 (fiscal quarter ended 2026-02-20) and then to $ 8,558,000,000 in fiscal Q3 2026 (fiscal quarter ended 2026-05-14). Operating income and net income followed the same intra‑year expansion: operating income moved from $ 534,000,000 to $ 855,000,000 to $ 4,020,000,000 across those three quarters, and net income moved from $ 44,600,000 to $ 693,000,000 to $ 3,064,000,000.
The filings and market data that survived show a company positioned as an AI-driven financial‑technology platform serving roughly 100 million users, with international revenue steady at about 8% of consolidated revenue and explicit risk disclosures about intensifying competition and cybersecurity threats. Cash and debt balances show $ 4,681,000,000 of cash and $ 6,162,000,000 of long‑term debt as of 2026-04-30, producing a net debt posture on those line items. Market signals are mixed-to-weak: large trailing drawdown (three‑year max drawdown - 68.3%), elevated realized volatility (90‑day annualized +60.2%), weak relative strength versus SPY, but low market sensitivity (beta 0.28). Valuation metrics show P/E (TTM) at 12.42 and price‑to‑FCF (TTM) at 86.5 with FCF (TTM) $ 998,000,000 against market cap $ 85,554,167,490.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else (no outside knowledge, no browsing), so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC (revenue, margins, income, debt and share count, quarter by quarter) and reports which way the trend is running.
Reported revenues for the three most recent fiscal quarters in the evidence were $3,885,000,000 for fiscal Q1 2026 (2025-08-01 to 2025-10-31, 3mo).
XBRL companyfacts · 0000896878-25-000048Reported revenues for the subsequent quarter were $4,651,000,000 for fiscal Q2 2026 (2025-11-01 to 2026-01-31, 3mo).
XBRL companyfacts · 0000896878-26-000014Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full: its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet; its risk analysis fills in once that lands.
Management describes Intuit as serving approximately 100 million consumers, small and mid-market businesses, and accountants worldwide and positioning the company as a global financial technology platform (an AI-driven expert platform).
Item 1A risk-factor diff · 0000896878-25-000035 vs 0000896878-24-000039The filings state Intuit's strategy is to be an AI-driven expert platform that connects customers to a virtual team of AI agents and AI-enabled human experts and to deliver 'done-for-you' experiences via automation and predictive insights.
Item 1A risk-factor diff · 0000896878-25-000035 vs 0000896878-24-000039Reads the signal panel above (momentum, volatility, drawdown, relative strength and beta) and ranks each against the whole research universe rather than judging it in isolation.
Momentum over the trailing 6 months (fiscal window ending 2026-09-10) is -28.8%.
Moneyta signal set · 2026-09-10weakened in debateThe 12_1 momentum metric is -54.8% and ranks in the 3th percentile of the 554-stock research universe on 2026-09-10.
Moneyta signal set · 2026-09-10weakened in debateReads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
13F-reported institutional holders totaled "$100.79B" as of 2026-03-31, with a quarter-over-quarter value change of -35.5% and a holder_count delta of -249 versus the prior reported quarter.
13F holdings · 2007 filers · as of 2026-03-31Top reported institutional holders in the 2026-03-31 13F period included BlackRock, Inc. at "$11.02B", VANGUARD CAPITAL MANAGEMENT LLC at "$7.82B", and JPMORGAN CHASE & CO at "$5.62B".
13F holdings · 2007 filers · as of 2026-03-31Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Coverage reported Intuit posted $21.4 billion in revenue for fiscal 2026.
News · kalkinemedia.com · 2026-09-10Several pieces focused on Intuit defending its long-term growth trajectory and referencing a sharpened capital-return program ahead of a market participant / investor event.
News · kalkinemedia.com · 2026-09-10Reads parsed Forms 3/4/5: who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
Sasan K. Goodarzi (Chairman and CEO) reported a sale of 12,377.444 shares for "$4.4M" on 2026-09-01.
Form 4 · Goodarzi Sasan K (Chairman and CEO) · $0 code M · 2026-09-01Sandeep Aujla (EVP and CFO) reported a sale of 3,704.904 shares for "$1.3M" on 2026-09-01.
Form 4 · Aujla Sandeep (EVP and CFO) · $0 code M · 2026-09-01Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The model-implied free cash flow (FCF) growth rate that today's price would justify is 49.31% (0.4931).
Valuation inputs · SEC XBRL + stored EOD closePrice-to-FCF (TTM) is 86.5, implying an FCF yield near 1.16% at the current price.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score. The argument is shown, not hidden, so you can judge the reasoning yourself.
The evidence shows a clear improving operating and profitability profile across the three most recent fiscal quarters: sequential revenue increases and a large expansion in operating income and net income (fundamentals-0 through fundamentals-4). Share count has trended down and the company has been returning capital via repurchases (fundamentals-6 and fundamentals-9), while cash balances recovered by the most recent quarter (fundamentals-7). Filings describe an articulated strategy to build an AI-driven expert platform and scale ‘done-for-you’ automation (filings-0 and filings-1), which aligns with management commentary and coverage noting a sharpened capital-return program and defended growth trajectory (news-1 and news-0). In response to bearish market metrics and valuation headwinds, the substantial operating income (valuation-5) and a middle-of-the-road P/E (valuation-2) provide counterpoints to claims focused solely on short-term momentum and FCF-driven valuation; these operating results, share reductions, and explicit capital returns strengthen a constructive reading of the quarter-to-quarter fundamentals.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.36
43 surviving claims rest on 18 distinct sources; the heaviest analyst carries 23% of them, and 98% of what the desk raised survived the debate.
The surviving read is moderately robust: 43 claims draw on 18 distinct sources, which gives breadth, but nearly a quarter of the claims come from the single heaviest analyst and the debate preserved 98% of the desk's initial points. That combination raises a caution about analyst-concentration and potential confirmation bias — the evidence base is broad but the high survival rate means alternative interpretations may not have been fully surfaced.
Peer context · computed, not argued
12-1 momentum ranks 20th of 22 in Software—Application (as of 2026-09-10).
6-month relative strength ranks 21st of 22 in Software—Application (as of 2026-09-10).
90-day volatility ranks 14th of 22 in Software—Application (as of 2026-09-10).
dividend yield ranks 1st of 22 in Software—Application (as of 2026-09-10).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment. When the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here (no outside knowledge, no browsing), and each card shows who read it and what it contributed to the score.
9 filings· 3 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data, not retyped or estimated.
Read by Mercer+0.6 to the score
12 documents· 2 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.0 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash−1.0 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis−0.3 to the score
8 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
11 filings· 2 cited
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state, with stated and inferred flags kept apart.
Read by Talbot−1.0 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only; it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal; the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
The full terminal on INTU Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
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